Preferred Equity Line of Credit Disclosures & Opt-Out Rights
PRESCREEN & OPT-OUT NOTICE: Prescreened (pre-approval) means you received this offer because a
credit report obtained from a consumer reporting agency showed that you met our credit requirements
for a Preferred Equity Line of Credit with Public Service Credit Union. All approvals are subject to
standard underwriting conditions, which include but are not limited to: acceptable income, credit
history, debt-to-income ratios, etc. You have the right to notify the consumer reporting agency not to
use your credit report in connection with a credit transaction you did not initiate. To exercise your right
to have your name and address excluded from future pre-approved offer lists provided by the credit
reporting agencies, please call the consumer reporting agencies’ notification system at 1-888-567-8688;
or you may write to them individually at: Experian Target Marketing, P.O. Box 919, 701 Experian
Parkway B2, Allen, TX 75013; Equifax Options, P.O. Box 740123, Atlanta, GA 30374-0123; Trans Union
Corporation, Attn: Marketing Opt Out, P.O. Box 97328, Jackson, MS 39288-7328.
*Annual Percentage Rate - 1.99% rate is only available to Preferred Equity Lines of Credit and not valid
through a standard HELOC program. Rate only good on new PSCU balances and at member request.
Funds can only be advanced through an online banking transfer or at a branch or through a draft check.
Offer expires on 05/31/2017. All products are subject to credit and property approval. Certain
restrictions and limitations may apply. Closing costs average $300, not including appraisal fee. Home
equity loans must be secured by your owner-occupied residence with a minimum loan amount of
$10,000. The rate is indexed to prime plus or minus a predetermined margin and is subject to change
quarterly. The maximum rate of interest is 18.00% APR. The floor interest rate is 3.64% APR. (APR =
Annual Percentage Rate). Rate applies for a maximum loan to value (LTV) of 80%. Promotional rate
available for balance designated by the borrower. Payment on balance subject to promotional rate may
be different than payment on other loan balances. See your loan disclosures for details.
** For specific tax advice, please consult a qualified tax professional.
Federally Insured by NCUA.